Kotak Car Insurance

313 reviews Rate This
Highlights
    Network Garages1,300+
    Claim Settlement Ratio82.81%
    Emergency AssistanceAvailable 24/7
    Policies Issued18 lakh+
    Claim ProcessDigitally Enabled
    Presence9+ cities

    About Kotak Mahindra Car Insurance

    Kotak Mahindra is a popular general insurance company in the business. The company was incorporated in December 2014. However, Kotak received approval from the IRDA in April 2015. The company offers an array of non-life insurance products like car insurance, two-wheeler insurance, health insurance, and plenty more. Did you know that Kotak Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd? Well, the bank is a part of the Kotak Mahindra Group, headed by Uday Kotak. Banking operations kick-started long back in 2003.

    Kotak Insurance aims at developing exclusively customized car insurance products paired with a cutting-edge digital infrastructure to provide customers with nothing but the best. The company has established its presence in 167 cities across the country. There are a total of 232 offices at present. Kotak General Insurance has crossed significant milestones since it was first incorporated. If you secure your vehicle with a Kotak car insurance policy, be assured that you are protected from all ends when you hit the roads.

    Kotak Car Insurance

    The Kotak General Insurance offers three types of car insurance plans namely third-party car insurance policy and comprehensive car insurance policy which protect the insured from third party liabilities as well as his or her car from financial losses and damages. Along with comprehensive car insurance policy, one can purchase add-on covers to ensure all-round safety when hitting the road. Some add-on covers provided by the general insurance company are zero depreciation, engine protection, consumables cover, return to invoice, roadside assistance cover, key replacement cover, tyre cover, personal belongings cover, and so on.

    Besides car insurance plans and add-on cover, the insurer also offers personal accident cover in case you sustain any injury while driving, mounting into, dismounting from, or travelling as a co-driver in the insured car. However, this coverage can be extended to secure other passengers travelling in the car as well. The company tends to reward its policyholders based on their claim history, where it offers them No Claim Bonus (NCB) benefit for not making any claim in the policy year. This discount is applicable only on the premium of Own-Damage cover, which increases progressively with each claim-free year up to a maximum of 50%.

    Significant Points of Kotak Car Insurance

    Features

    Coverage

    Third Party Property Damage

    Up to Rs. 7.5 Lakh

    Own Damage Cover

    Coverage for Own Car for Its Loss and Damage

    Personal Accident Cover

    Up to Rs. 15 Lakh

    Add-on Covers

    9 Add-on Covers

    Claim Assistance

    24/7 Claim Assistance

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    When did you buy your car?
    20052019
    Have you made a claim in the previous year?

    Benefits of Kotak Car Insurance

    • A wide network of 1,300+ garages
    • 24x7 emergency assistance is offered
    • Digitally enabled insurance solutions provided
    • Allows policyholders to make unlimited claims
    • Quick and hassle-free claim settlement guaranteed.

    Kotak Mahindra Car Insurance Claim Process

    It's 8 step simple process,Hassle FREE
    • 1

      Contact the insurer

      Call Kotak General Insurance on 1800-266-4545 and register your claim. You can visit the workshop and intimate your insurance company
    • 2

      Reach the workshop

      Drive your vehicle to the workshop or get the same towed
    • 3

      The Survey Begins

      Post intimation, a surveyor is appointed. It may take up to 24-48 working hours
    • 4

      Documents Must Be Presented

      The policyholder must submit various documents to the insurance provider. These include Driving License, RC, Claim Intimation Form, Aadhar Card, Policy Copy, PAN Card and a Repair Estimate
    • 5

      The Survey Is Completed

      Survey of a vehicle is completed within 24 to 48 working hours of claim intimation

    • 6

      Surveyor Makes the Call

      Once a thorough survey of the car has been done, the surveyor either accepts the claim or rejects it. Repair-works commence after approval

    • 7

      Delivery Order is Given

      After the repairs are complete, a final survey is done. Deliver order is issued next

    • 8

      Process of Non-Cashless Claims

      Your insured vehicle undergoes repair-works. Initially, you must bear these expenses. The insurance company reimburses the agreed claim amount soon after

    209 Kotak Cashless Garages in India

    Must Read Articles before buying Kotak Car Insurance

    Kotak Car Insurance User Reviews

    Write your review
    What users are saying
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    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • NCB
    • Paperless insurance process

      The Kotak car insurance plan issuance for my Hyundai Elantra car was completely paperless on the InsuranceDekh...

      Read More
      C
      By Chandan Verma
      On: August 4, 2021
    • Paperless process

      My Kotak car insurance plan which I purchased to secure my Ford Fiesta Classic car is completely paperless. I ...

      Read More
      K
      By Kavish Arora
      On: August 2, 2021
    • Great chat box

      I used the chat box of the InsuranceDekho platform and found all the answers for my queries related to the Kot...

      Read More
      N
      By Naman Singh
      On: July 28, 2021
    • Plans at an affordable rate

      I recommend everyone to go with the InsuranceDekho to find an insurance plan at a reasonable price with great ...

      Read More
      S
      By Sanchit Verma
      On: July 26, 2021
    • Details of cashless garages

      I shifted to a new city last year and had no clue about the network garages of my Kotak insurance company near...

      Read More
      A
      By Akhil Rao
      On: July 23, 2021
    • Got policy in clicks

      With the InsuranceDekho platform I could get a Kotak car insurance policy for my Chevrolet Aveo car in a few c...

      Read More
      P
      By Payal Saxena
      On: July 21, 2021
    • Secured payment gateway

      Purchasing and renewing insurance plans have become easy with the InsuranceDekho platform. One of their best a...

      Read More
      H
      By Harsh Khanna
      On: July 19, 2021
    • Free Flowing Process

      The process was very user friendly. Hope to get a best service from you. I am using this platform for the firs...

      S
      Maruti Swift Ranga reddy
      By SANDIPAN MITRA
      On: July 19, 2021
    • Hidden charges are not there

      I visited the online insurance platform InsuranceDekho to buy a Kotak car insurance policy for my Renault Flue...

      Read More
      N
      By Namita Sharma
      On: July 16, 2021
    • Easy steps to get policy

      To secure my Ford Ecosport car with a car insurance plan, I visited the InsuranceDekho portal. Within a few mi...

      Read More
      N
      By Nisha Saxena
      On: July 14, 2021
    • Paperless insurance process

      The Kotak car insurance plan issuance for my Hyundai Elantra car was completely paperless on the InsuranceDekh...

      Read More
      C
      By Chandan Verma
      On: August 4, 2021
    • Paperless process

      My Kotak car insurance plan which I purchased to secure my Ford Fiesta Classic car is completely paperless. I ...

      Read More
      K
      By Kavish Arora
      On: August 2, 2021
    • Great chat box

      I used the chat box of the InsuranceDekho platform and found all the answers for my queries related to the Kot...

      Read More
      N
      By Naman Singh
      On: July 28, 2021
    • Plans at an affordable rate

      I recommend everyone to go with the InsuranceDekho to find an insurance plan at a reasonable price with great ...

      Read More
      S
      By Sanchit Verma
      On: July 26, 2021
    • Details of cashless garages

      I shifted to a new city last year and had no clue about the network garages of my Kotak insurance company near...

      Read More
      A
      By Akhil Rao
      On: July 23, 2021
    • Got policy in clicks

      With the InsuranceDekho platform I could get a Kotak car insurance policy for my Chevrolet Aveo car in a few c...

      Read More
      P
      By Payal Saxena
      On: July 21, 2021
    • Secured payment gateway

      Purchasing and renewing insurance plans have become easy with the InsuranceDekho platform. One of their best a...

      Read More
      H
      By Harsh Khanna
      On: July 19, 2021
    • Hidden charges are not there

      I visited the online insurance platform InsuranceDekho to buy a Kotak car insurance policy for my Renault Flue...

      Read More
      N
      By Namita Sharma
      On: July 16, 2021
    • Easy steps to get policy

      To secure my Ford Ecosport car with a car insurance plan, I visited the InsuranceDekho portal. Within a few mi...

      Read More
      N
      By Nisha Saxena
      On: July 14, 2021
    • Affordable car insurance

      This being my first experience of car insurance purchase for my Honda Jazz, I was quite unclear of what my pre...

      Read More
      V
      By Virendra Dhawan
      On: July 12, 2021
    • Easy steps to get policy

      To secure my Ford Ecosport car with a car insurance plan, I visited the InsuranceDekho portal. Within a few mi...

      Read More
      N
      By Nisha Saxena
      On: July 14, 2021
    • Innovative tool to compare pre...

      I got to know about the innovative tool called the premium calculator on InsuranceDekho. I used it to compare ...

      Read More
      N
      By Namrata Gayal
      On: June 30, 2021
    • Helpful support team

      The support team of InsuranceDekho is helpful, it lended guidance on how to choose the most suitable car insur...

      Read More
      A
      By Ajmal Habib
      On: June 28, 2021
    • Great first-time experience

      The first-time issuance of Kotak Comprehensive car insurance policy on InsuranceDekho was great. I started wit...

      Read More
      D
      By Dipanjan Chakraborty
      On: June 23, 2021
    • Cost effective plans

      The insurance plans available on InsuranceDekho are cost-effective. I could compare and choose a plan that has...

      Read More
      V
      By Vaidehi Nath
      On: June 7, 2021
    • Top insurance companies

      Within a few seconds of landing on InsuranceDekho, I found an updated list of the top insurance companies with...

      Read More
      By Aratrika Bhattacharya
      On: May 24, 2021
    • Various parameters to measure ...

      I would like to thank InsuranceDekho for offering so many parameters to measure policy efficiency. I compared ...

      Read More
      B
      By Bidipta Biswas
      On: May 10, 2021
    • Seamless comparison

      Comparing multiple policy premiums using the premium calculator on InsuranceDekho has been a seamless experien...

      Read More
      V
      By Vishwash Pandey
      On: May 3, 2021
    • Infographics helps to compare

      A number of infographics present in InsuranceDekho aimed to help customers compare insurance companies and pol...

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      P
      By Partha Das
      On: April 30, 2021
    • Seamless renewal

      Renewing Kotak Third Party car insurance policy issued for Kia Seltos was seamless on InsuranceDekho. I starte...

      Read More
      M
      By Mita Dutta
      On: April 29, 2021
    • Plans at an affordable rate

      I recommend everyone to go with the InsuranceDekho to find an insurance plan at a reasonable price with great ...

      Read More
      S
      By Sanchit Verma
      On: July 26, 2021
    • Maximum coverage at an afforda...

      InsuranceDekho makes sure to provide maximum coverage at an affordable price to its customers. That is why it ...

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      S
      By Sunirmal Bagchi
      On: March 17, 2021
    • Quotes based on car’s body typ...

      InsuranceDekho has a segment called ‘ Find Right Car Insurance Quotes by Cars Body Type’ where I could directl...

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      S
      By Sanjukta Adhikary
      On: March 15, 2021
    • Best service

      Good experience. I got fast service and instant policy release. All companies plan was shown to me. It was the...

      R
      Maruti Ignis New Delhi
      By Ritu Verma
      On: December 31, 2020
    • Excellent support.

      Thanks a lot for the help your executive provided to me. He really made my day. In spite of multiple interacti...

      V
      Honda City Visakhapatnam
      By VEERA NAGA VISHNU SATYAM MAMIDALA
      On: December 30, 2020
    • Convenient premium calculator

      While purchasing the Kotak car insurance policy from InsuranceDekho for my Mahindra Willys, I used the tool ca...

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      P
      By Pulkit Singha
      On: December 17, 2020
    • I am satisfied

      I bought a Kotak car insurance policy for my Honda Amaze car from InsuranceDekho at an affordable price. I am ...

      Read More
      V
      By Vikas Grover
      On: July 16, 2020
    • Availability of economical pla...

      The Kotak insurance offered me policies at the most economical prices for my Hyundai Xcent car. This insurance...

      Read More
      S
      By Sumit Negi
      On: May 18, 2020
    • Good services at good prices

      Kotak insurance gives me good and beneficial insurance services at reasonable prices. This way it helps me ins...

      Read More
      A
      By Ashok Kapoor
      On: April 29, 2020
    • Best insurance platform

      I got my Hyundai Venue car insured with Kotak insurance plan, which I got through Insurance Dekho platform. It...

      Read More
      T
      By Toshi Ghai
      On: April 27, 2020
    • Exemplary add-ons

      I found an amazing collection of exemplary add-ons on InsuranceDekho with the potential of extending coverage ...

      Read More
      S
      By Swapnil Chatterjee
      On: July 5, 2021
    • Great first-time experience

      The first-time issuance of Kotak Comprehensive car insurance policy on InsuranceDekho was great. I started wit...

      Read More
      D
      By Dipanjan Chakraborty
      On: June 23, 2021
    • Various parameters to measure ...

      I would like to thank InsuranceDekho for offering so many parameters to measure policy efficiency. I compared ...

      Read More
      B
      By Bidipta Biswas
      On: May 10, 2021
    • Trusted partner for all kinds ...

      InsuranceDekho can be considered as the most trusted partner. At the time of Kotak Comprehensive car insurance...

      Read More
      S
      By Saikat Mullick
      On: April 28, 2021
    • Payment made easy

      Paying for the premium of Kotak Comprehensive car insurance policy for Mercedes-Benz B-Class was made easy on ...

      Read More
      S
      By Shovan Roy
      On: April 21, 2021
    • Seamless claim settlement

      I made a reimbursement claim under Kotak Comprehensive car insurance policy for my Volkswagen Passat. My car n...

      Read More
      R
      By Rimli Thakur
      On: April 12, 2021
    • Convenient policy modification

      My Honda Accord is insured with Kotak Third Party car insurance policy. Besides protection against the third-p...

      Read More
      A
      By Ahsaas Khanna
      On: April 8, 2021
    • Friendly support team

      I am a policyholder of Kotak Comprehensive car insurance policy for Maruti Baleno. I missed the renewal date o...

      Read More
      R
      By Rishi Paul
      On: March 25, 2021
    • Easy to discriminate

      It was really easy to discriminate within various types of policies on InsuranceDekho. I learned the differenc...

      Read More
      R
      By Raktim Mittal
      On: March 19, 2021
    • Guidance from experts availabl...

      I landed on InsuranceDekho and called the helpline number to acquaint expert guidance before making a claim un...

      Read More
      S
      By Sudhir Singh
      On: March 12, 2021
    • Transparent service

      InsuranceDekho provides transparent services that involve policy issuance, renewal, add-on purchase, claim set...

      Read More
      O
      By Onkur Nath
      On: July 9, 2021
    • Helpful support team

      The support team of InsuranceDekho is helpful, it lended guidance on how to choose the most suitable car insur...

      Read More
      A
      By Ajmal Habib
      On: June 28, 2021
    • Flawless digital services

      InsuranceDekho is the best digital platform to avail all kinds of insurance policy related services. From poli...

      Read More
      A
      By Anindita Roy
      On: June 21, 2021
    • Time-saver website

      I issued a Kotak Third Party car insurance policy using InsuranceDekho for Nissan Kicks. The website has a lis...

      Read More
      A
      By Arpan Chatterjee
      On: June 14, 2021
    • Cost effective plans

      The insurance plans available on InsuranceDekho are cost-effective. I could compare and choose a plan that has...

      Read More
      V
      By Vaidehi Nath
      On: June 7, 2021
    • Top insurance companies

      Within a few seconds of landing on InsuranceDekho, I found an updated list of the top insurance companies with...

      Read More
      By Aratrika Bhattacharya
      On: May 24, 2021
    • Various parameters to measure ...

      I would like to thank InsuranceDekho for offering so many parameters to measure policy efficiency. I compared ...

      Read More
      B
      By Bidipta Biswas
      On: May 10, 2021
    • Seamless claim settlement

      I made a reimbursement claim under Kotak Comprehensive car insurance policy for my Volkswagen Passat. My car n...

      Read More
      R
      By Rimli Thakur
      On: April 12, 2021
    • IRDAI approved insurance compa...

      Each insurance company mentioned on InsuranceDekho is IRDAI approved. So, it is an obvious fact that these are...

      Read More
      P
      By Proma Debnath
      On: April 9, 2021
    • Hassle-free inspection

      Before making a claim under Kotak car insurance policy for Renault Koleos, I made an application to conduct an...

      Read More
      M
      By Mrinal Chatterjee
      On: April 1, 2021
    • Secured payment gateway

      Purchasing and renewing insurance plans have become easy with the InsuranceDekho platform. One of their best a...

      Read More
      H
      By Harsh Khanna
      On: July 19, 2021
    • Transparent service

      InsuranceDekho provides transparent services that involve policy issuance, renewal, add-on purchase, claim set...

      Read More
      O
      By Onkur Nath
      On: July 9, 2021
    • Flawless digital services

      InsuranceDekho is the best digital platform to avail all kinds of insurance policy related services. From poli...

      Read More
      A
      By Anindita Roy
      On: June 21, 2021
    • Seamless renewal

      Renewing Kotak Third Party car insurance policy issued for Kia Seltos was seamless on InsuranceDekho. I starte...

      Read More
      M
      By Mita Dutta
      On: April 29, 2021
    • Friendly support team

      I am a policyholder of Kotak Comprehensive car insurance policy for Maruti Baleno. I missed the renewal date o...

      Read More
      R
      By Rishi Paul
      On: March 25, 2021
    • Simple policy renewal

      The Kotak car insurance policy renewal date for my Honda Jazz was nearing. Since I issued the policy on Insura...

      Read More
      B
      By Biman Mukherjee
      On: February 18, 2021
    • Friendly customer care

      I called the customer team to learn whether I needed to request for NCB separately for my Kotak car insurance ...

      Read More
      S
      By Sitesh Sharma
      On: February 10, 2021
    • Assistance for renewal

      I had no clue that the renewal for my Kotak car insurance was nearing. It is issued fr my Honda Civic. Thankfu...

      Read More
      A
      By Avantika Jana
      On: February 5, 2021
    • Effortless renewal

      I wanted to get the Kotak car insurance policy renewed that I bought for my Maruti Ignis and InsuranceDekho he...

      Read More
      P
      By Poroma Nath
      On: October 28, 2020
    • Very quick renewal process

      I wanted to renew my Kotak car insurance policy that covers my Honda Amaze car as the policy offers me many be...

      Read More
      P
      By Pradhan Yadav
      On: September 24, 2020
    • Hidden charges are not there

      I visited the online insurance platform InsuranceDekho to buy a Kotak car insurance policy for my Renault Flue...

      Read More
      N
      By Namita Sharma
      On: July 16, 2021
    • Affordable car insurance

      This being my first experience of car insurance purchase for my Honda Jazz, I was quite unclear of what my pre...

      Read More
      V
      By Virendra Dhawan
      On: July 12, 2021
    • Innovative tool to compare pre...

      I got to know about the innovative tool called the premium calculator on InsuranceDekho. I used it to compare ...

      Read More
      N
      By Namrata Gayal
      On: June 30, 2021
    • Seamless comparison

      Comparing multiple policy premiums using the premium calculator on InsuranceDekho has been a seamless experien...

      Read More
      V
      By Vishwash Pandey
      On: May 3, 2021
    • Payment made easy

      Paying for the premium of Kotak Comprehensive car insurance policy for Mercedes-Benz B-Class was made easy on ...

      Read More
      S
      By Shovan Roy
      On: April 21, 2021
    • Accurate premium calculator

      The premium calculator present on InsuranceDekho is accurate and fast when it comes to calculating the total p...

      Read More
      B
      By Bhromor Maitra
      On: March 26, 2021
    • Useful premium calculator

      The premium calculator available on InsuranceDekho not only helps with premium calculation but also with polic...

      Read More
      C
      By Chandrima Basak
      On: February 19, 2021
    • Policy in 3 steps

      I generated my quotes, compared the premiums, selected and paid for the Kotak Comprehensive car insurance poli...

      Read More
      U
      By Upendra Rathore
      On: February 11, 2021
    • Time-saving payment portal

      The payment portal of InsuranceDekho is time-saving. I used my debit card to pay the premium of Kotak car insu...

      Read More
      A
      By Adi Acharya
      On: February 3, 2021
    • Online calculator

      Online calculator available on InsuranceDekho assists with complicated premium calculation. It is a time and e...

      Read More
      S
      By Sagnik Patra
      On: January 18, 2021
    • Friendly customer care

      I called the customer team to learn whether I needed to request for NCB separately for my Kotak car insurance ...

      Read More
      S
      By Sitesh Sharma
      On: February 10, 2021
    • Assistance for renewal

      I had no clue that the renewal for my Kotak car insurance was nearing. It is issued fr my Honda Civic. Thankfu...

      Read More
      A
      By Avantika Jana
      On: February 5, 2021
    • Multiple add-on options

      My Chevrolet Aveo is insured with a Kotak comprehensive insurance policy. I needed some add on covers to exten...

      Read More
      S
      By Sritama Rakshit
      On: December 24, 2020
    • Numerous add-ons

      My Maruti Suzuki Zen Estilo is insured with Kotak car insurance policy. I wanted to avail the NCB add-on cover...

      Read More
      V
      By Vedant Kumar
      On: December 16, 2020

    Insurance Products by Kotak General Insurance

    Kotak Mahindra Car Insurance FAQs

    • Can I avail the benefits of roadside assistance with Kotak car insurance?

      Kotak Insurance provides prompt services for roadside assistance. Don’t panic when you are stranded in a deserted road. Call Kotak on 1800 266 4545 and request for help. Some of the services provided include:


      • Battery jump start
      • Towing of the car
      • Emergency refueling
      • Key replacement if you are locked out
      • Minor repairs if needed
    • I have a car insurance policy with Kotak. What should I know about IDV?

      IDV stands for the Insured Declared Value of a vehicle. It is the maximum sum assured decided by the insurer in circumstances of theft or total loss. Please Note: Costs of registration and insurance is not included when calculating the IDV of a vehicle. In short, final compensation is offered by an insurance company in situations of a total loss on the basis of IDV.

    • I wish to purchase motor insurance from Kotak. How long will my policy be valid?

      While generally insurance plans are for a year, insurance companies have now come up with long-term plans. New car owners must insure their vehicles with a third party policy for at least 3 years

    • Third Party Policy by Kotak – what is the coverage offered?

      Third party insurance is a basic policy. It covers:

      • Damage to a third party property
      • Disability or death due to accident
      • Legal fees and lawsuits due to accidents
    • Does Kotak Car Insurance provide No Claim Bonus?

      Yes, the company provides No Claim Bonus. NCB is provided when a customer does not make any claim during a policy period

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 11.5 Lac happy customers
    • Claim Support available all 7 days of the week

    Kotak Car Insurance Contact Details

    For any assistance or query, call us on:

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    Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are always doing our best to keep our privileged customers up-to-date with neutral and factual information.

    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.